A Personal Automobile Policy can offer protection for two major automobile exposures. Liability provides bodily injury and property damage coverage to a third party in the event you were to injure someone or damage someone else's property through the use of your personal auto(s). Physical Damage Coverage will provide protection for damage to your personal automobile as a result of an accident or from a covered peril, such as fire or theft. Personal Automobile coverage is available for vehicles that are owned individually and used for personal reasons, such as pleasure and/or commuting.
Our Personal Lines Department is available to assist you with all of your personal insurance needs. In addition to personal automobile, we can also assist you with coverage for your home, apartment, vacation home, motorcycle, ATV, snowmobile, watercraft or recreational vehicle.
If you are interested in obtaining a premium quotation, please complete the application or call us at (212) 490-8511 for more information.
Liability coverage for Bodily Injury and Property Damage
No Fault (Where required by law)
Additional No Fault
Personal Excess Liability
Bodily Injury —provides legal liability insurance, up to the policy limit, should you cause bodily injury to another person with your automobile. Minimum coverage amounts are defined by state law.
Property Damage —provides legal liability insurance, up to the policy limit, should you cause damage to property; other than the car you are driving or the contents inside the vehicle. Minimum coverage amounts are defined by state law.
No Fault —provides medical and time lost benefits to victims of automobile accidents regardless of fault. This coverage is defined by state law and is not available in every state.
Additional No Fault —An optional coverage benefit that provides sums larger than those mandated by state law to victims of automobile accidents regardless of fault. This coverage is defined by state law and is not available in every state.
Uninsured Motorist —Bodily injury coverage for you and the occupants of your vehicle in the event you are in an accident caused by an uninsured driver.
Underinsured Motorist —Bodily injury coverage for you and the occupants of your vehicle in the event you are in an accident caused by a driver who carries an insufficient amount of bodily injury insurance.
Medical Payments —Bodily injury coverage for occupants of your vehicle in non no fault states regardless of negligence.
Personal Excess Liability —will provide protection against catastrophic lawsuits. This coverage provides large limits of liability which are in addition to the sums that are available from your personal automobile and/or other personal liability policies. Coverage limits are available in million dollar increments.
Comprehensive —Covers your vehicle against loss caused by fire, theft and water damage.
Collision —Covers damage to your vehicle in an accident.
Full Glass —Covers the cost of replacing glass and windshields without a deductible.
Rental Reimbursement —Covers part of the cost to rent a vehicle in the event of an insured loss to your vehicle.
Miscellaneous Property —Removable property and property not installed by the manufacturer. These are not covered unless itemized in the policy.